摘要
为构建统一欧洲保险市场,保险合同法重述小组于2009年8月公布了《欧洲保险合同法基本原则》,该原则将成为未来欧洲统一保险合同法的蓝本。该原则在如实告知义务的履行方式上由传统的主动告知转变为被动告知,并根据主体违反如实告知义务时的主观状态与违反如实告知义务的时间规定了有区别的法律责任。其既体现了现代保险法如实告知义务制度的发展趋势,又考虑到了欧盟各成员国的承受能力。
For the sake of creating a unified European insurance market, the task force for restatement of European insurance contract law announced the principles of European insurance contract law in August 2009 which will become the blueprint of unified European insurance contract law in future. Among these principles, the execution of the truthful disclosure obligation is changed from the traditional proactive disclosure to passive disclosure, and set different legal liability according to the subjective state of mind of the principal and the time of violation of this obligation at the breach of the disclosure obligation. The new principles are not only a manifestation of the development trend of the disclosure obligation in modem insurance law, but take full consideration of the bearing capacity of all EU member states.
出处
《保险研究》
北大核心
2010年第9期104-111,共8页
Insurance Studies
关键词
欧洲保险合同法基本原则
如实告知义务
履行方式与标准
法律责任
比较法
principles of European insurance contract law
trutMul disclosure obligation
execution method and criteria
legal liability
comparative law
